Automatic transfer detection
A transfer is not a purchase.
Pay your card from checking and most apps put you on a $13,878 shopping spree. That exact payment, filed as an expense in an account it had nothing to do with, every month for years, is why Quaestor exists. Here is how it catches the pair instead, on my own ledger.
7 days free, then $12.99 a month or $89.99 a year. Card required, cancel anytime before your first payment.
Free trial for first-time customers; if your organization has subscribed before, the paid plan starts at checkout. Renews automatically until you cancel in Settings. Taxes may apply.
Both legs, matched by amount, date and account
A debit in one account and a matching credit in another, inside a short date window, become one transfer. It is rules, not guesses: the same pair matches the same way every time, and you can see why.
- Matched pairs leave spending and burn rate immediately.
- Savings moves, card payments and brokerage funding all count as transfers, not spending.
- Cross-currency pairs match on the converted amount.
Disagree with one? Dismiss it.
When one leg arrives before the other, the row is marked as a possible transfer. If that flag is wrong, one click marks it as not a transfer and the row stays an ordinary transaction. A confirmed pair can still be opened, edited or deleted. It has caught 97 pairs in my ledger so far, across 66 accounts, and I have overruled it exactly as often as I needed to.
- A possible transfer is labelled while it waits for its other half.
- Dismiss a wrong flag with one click. Nothing is deleted.
- Confirmed transfers show both accounts, so you always know where the money went.
My own ledger, September 2026
- live accounts
- 66
- institutions on three continents
- 18
- currencies, one net worth
- 4
- credit cards
- 36
- internal transfer pairs caught
- 97
- transactions, back to May 2012
- 5,410
- receipts on file
- 1,017
- recurring payments tracked
- 54
Why this matters more than it sounds
Spending reports, burn rate, Cash Outlook and the weekly briefing are all computed from the ledger with transfers removed. Get transfers wrong and every number downstream is wrong by the size of your card payments. I pay 36 cards. You can imagine.
Frequently asked questions
- Is transfer detection AI?
- No. It is rules on amount, date and account, so the same pair matches the same way every time and you can see why. Quaestor uses AI for reading receipts and answering questions, not for deciding what your money did.
- Will a transfer to savings still show up as spending?
- No. Once both legs are matched, the pair leaves spending and burn rate immediately, and Cash Outlook and the weekly briefing are computed without it. Savings moves, card payments and brokerage funding all count as transfers, not purchases.
- What about transfers between currencies?
- They match on the converted amount at the rate for that day, so moving money from a dollar account to a foreign-currency account is one transfer, not income on one side and spending on the other.
Keep exploring
Stop paying yourself and calling it spending.
7 days free, then $12.99 a month or $89.99 a year. Card required, cancel anytime before your first payment.
Free trial for first-time customers; if your organization has subscribed before, the paid plan starts at checkout. Renews automatically until you cancel in Settings. Taxes may apply.